John Bottigliero

Senior Loan Officer

Manahawkin- New Jersey

NMLS- 269060

States Licensed: New Jersey

Hello, and thank you for taking the time to read my profile! I am a Senior Loan Officer with 16 years' experience originating residential purchase and refinance mortgages in New Jersey. I began my experience in mortgages as a customer, and I never forgot how important it is to create a bond of trust and ease when someone is engaging in one of the largest decisions that they will ever make. Whether you are buying your first home or your last, or perhaps simply engaging in a consultation to know your options, you deserve clear communication and direct answers to all of your questions or concerns! I have a wife and 3 awesome children, and I still live in Ocean County where I grew up. I love live music, being outdoors in the summer, and football in the fall. I am happy to say that consulting with people to enhance their lives for the better is my passion, and I would not do anything else if given the opportunity.

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

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